Dave Ramsey Quotes

When I bought my first house I had all these red flags on my credit report because I bounced a bunch of checks to places like Pizza Hut and stuff like that for $13 or $15 because I was trying to feed my O-linemen.

When you get to college, they're never teaching you how to start a credit line or get a loan on a car, things of that nature.

Remember that credit is money.

A person's credit report is one of the most important tools consumers can use to maintain their financial security and credit rating, but for so long many did not know how to obtain one, or what to do with the information it provided.

Once I establish credit, I may be able to function. A man needs credit. Especially when he has no money.

No man's credit is as good as his money.

Whether you're earning $7 an hour or $700,000 a year, it's very important to protect your credit rating.

'Credit' is another word for trustworthiness.

What I'm most proud of is that I paid off all the debts of my household.

Credit comes with success, and I need to have a lot more of it. In due time - I'm not rushing.

I don't believe in credit or loans.

Because the American credit reporting system relies on both good and bad reports of creditworthiness, a consumer must have some kind of credit - not just the absence of bad credit.

I have always advocated doing everything possible to pay off credit card balances; it's good financial management and the ticket to a strong FICO credit score.

Credit is an 'I love debt' score.

I'm more of a debit card person, and I live in the 'now'. I don't like credit cards anymore. I try to live with whatever I can afford and don't try to put myself in an awkward position. I've done that before.

No one anticipates divorce when they're exchanging vows, and it can be devastating emotionally and financially. To ease the financial side of the blow, you need to maintain your financial identity in your relationship. That means having your own credit history - you need your own credit card - and your own savings and retirement accounts.

I generally encourage people to make good on debts when they have enough money to repay them. But once a delinquency has been reported to a collection agency, paying it off won't help your FICO score. The damage has already been done, and the blemish will remain on your credit report for seven years.

If you're not staying on top of your money, you are putting your financial well-being at risk.

I'd say the main way people get into terrible financial trouble is just to spend too much money relative to their income, and that is an endemic problem in the United States of America, and that's the kind of thing that should be taught about in schools.

You should be able to do anything you can afford as an adult.

I've been given my money. Nobody has ever beaten me out of one quarter. And that's all I've ever been concerned about.

I have never had personal debt and never will.

I just want real creative freedom without worrying about, you know, car payments.

Financial freedom is available to those who learn about it and work for it.

A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out.